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AppTech PaymentsAPCX +0.19%32 Debt-to-Equity is 13.24 as of Mar. 2026, which is 33000% above its 10-year median of 0.04. GuruFocus rates APCX with a GF Score™ of 32/100 and a GF Value™ of $2.41 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 2,244 Software companies, AppTech Payments ranks worse than 99.47% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for AppTech Payments's Debt-to-Equity or its related term are showing as below:
APCX'
s Debt-to-Equity Range Over the Past 10 Years
Min: -1.93 Med: 0.04 Max: 47.57
Current: 13.24
During the past 13 years, the highest Debt-to-Equity Ratio of AppTech Payments was 47.57. The lowest was -1.93. And the median was 0.04.
APCX's Debt-to-Equity is ranked worse than 99.47% of 2244
companies
in the Software industry
Industry Median: 0.19
vs APCX: 13.24
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
AppTech Payments Debt-to-Equity Related Terms
AppTech Payments Debt-to-Equity Historical Data
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The historical data trend for AppTech Payments's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
APCX vs CHOW, INTZ, BLIN: Debt-to-Equity Comparison
For the Software - Infrastructure subindustry, AppTech Payments's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
AppTech Payments Debt-to-Equity vs Software Industry
For the Software industry and Technology sector, AppTech Payments's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where AppTech Payments's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
AppTech Payments (APCX) has a Debt-to-Equity of 13.24 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on AppTech Payments and its competitors. This is 33000% above median its historical median of 0.04. According to the industry distribution chart, AppTech Payments ranks #2232 out of 2244 companies in the Software industry, placing it in the top 99.5%.
Is AppTech Payments' Debt-to-Equity too high?
AppTech Payments' current Debt-to-Equity of 13.24 is 33000% above median its 10-year median of 0.04. The Software industry median Debt-to-Equity is 0.19. AppTech Payments' value of 13.24 is 6868.4% above this industry median. Based on the distribution chart, AppTech Payments ranks #2232 out of 2244 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, AppTech Payments has a GF Score™ of 32/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AppTech Payments' Debt-to-Equity compare to CHOW and INTZ?
According to the Software industry distribution chart, AppTech Payments ranks #2232 out of 2244 companies for Debt-to-Equity. This places AppTech Payments in the lower half of its industry. The industry median Debt-to-Equity is 0.19. AppTech Payments' value of 13.24 is 6868.4% above this benchmark. While the company's 10-year median is 0.04 vs. the industry median of 0.19, AppTech Payments has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Software company?
The median Debt-to-Equity among Software companies is 0.19, based on 2,244 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AppTech Payments's current Debt-to-Equity of 13.24 is 6868.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on AppTech Payments and its competitors. For the Software industry, the median Debt-to-Equity is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AppTech Payments's current Debt-to-Equity is 13.24, which is 33000% above median its own 10-year median of 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AppTech Payments stock overvalued right now?
Based on GuruFocus' analysis, AppTech Payments (APCX) is currently considered Possible Value Trap. The stock's GF Value™ is $2.41, compared to a current price of $0.27 — trading 88.9% below its estimated fair value. The current Debt-to-Equity is 13.24, which is 33000% above median its 10-year median of 0.04 and 6868.4% above the Software industry median of 0.19. AppTech Payments' overall GF Score™ is 32/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For AppTech Payments (APCX), the current Debt-to-Equity is 13.24 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is AppTech Payments (APCX) Overvalued in 2026?
Based on GuruFocus' analysis, AppTech Payments stock appears to be undervalued.
The current stock price of $0.27 is trading 88.9% below its estimated GF Value™ of $2.41.
GuruFocus considers AppTech Payments to be Possible Value Trap.
Key valuation signals for APCX:
Debt-to-Equity: 13.24 (33000% above median its 10-year median of 0.04)
GF Value™: $2.41 vs. price of $0.27 (88.9% below fair value)
Industry Position: 6868.4% above the Software median (#2232 of 2244)
No single metric tells the full story. See the APCX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AppTech Payments Corp engages in providing financial services to businesses. It provides these services through its Banking Platform the company enables digital banking capabilities, account-based processing, onboarding, compliance, and financial workflows through a unified, cloud-native architecture. Its proprietary software will provide progressive and adaptable products that are available through a suite of synergistic offerings directly to merchants, banking institutions, and business enterprises. It derives revenue from the provision of financial services to businesses.
32GF Score
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